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falling in after-hours trading following the fourth quarter earnings report. yum coming in below expectations on epa. reporting 72 cents versus the estimate of 82 cents. a 10 cent miss is significant enough that the stock is selling off. yum did beat on revenue, reporting 4.15 billion versus its estimate of 4.12 billion. jump also reporting a% rise in u.s. same-store sales. 6% decline in china. david: i'm still amazed at kreskin. liz: yeah. david: i'm amazed. he got it. liz: "money" with melissa is next. melissa: i'm melissa francis and here's what's "money" tonight. stocks have seen an epic run-up, but that doesn't mean you can retire any earlier. most people are delaying more than ever. wait until you hear the numbers. call him banks super fan. dick bove predict as 14-year bull run for u.s. banks. the renowned analyst says we're looking at them all

wrong for years and he is here to explain. they made fan at this football one of the most raunchyest, hilarious hobbies imagine. the dirty mind behind the fx's, the league. they're not taking any prisoners. comedic geniuses jeff and jackie schaeffer joins us. even when they say it's not it is always about money. melissa: it is our top story tonight. a day when you can retire and leave the rat race behind, enjoy leisure time, golfing, traveling, for most of us that day is looking further and further away. sure the dow hit a five-year high on friday. but that means if you stayed in you made no money in the past five years. and don't get me started on taxes. put it together and adds up to big delays in retirement a new study shows nearly 2/3

of americans age 45 to 60, plan to put off the retirement. today's "money" power panel is help you to. spencer patton, steel vine investments the chief investment officer. peter schiff, europacific capital ceo and susan knox, former treasury department advisor under president obama. spencer, let me start with you, you talk about people retiring later and later, you blame the fed in part. >> i really do. the fed has done a tremendous disservice in robbing savers, people that are planning on retiring, the people that are not trading in the stock market, but most people setting aside money, the chance to be able to retire. you're seeing not only have they not just made money, they have lost money due to the inflation and withering away of the u.s. dollar as the fed just prints money endlessly. it's horrible and it's, just further pushing back retirement for people that can't afford a delay. melissa: peter has retirement become a thing of the past?

we're all working until we die and die at our deaths at this rate? >> well, you know, i think one day in america, one day soon, retirement will be as rare as a single-income household. at one time it was the norm in america. only one paycheck. it was very rare for a married woman to work outside the home. now it is very common. well one day it will be just as uncommon for somebody to retire. i agree, it is because of the fed. its because we're destroying the value of our money. look the stock market is back up to 14,000 or was briefly on friday but that is only in nominal terms. the stock market isn't getting more valuable. our money is becoming less valuable. melissa: yeah. >> if you look at the real value of our assets they're going down. the cost of living is going up. health care cost, food, energy, everything is getting more expensive. and even if you have these depreciating dollars what kind of yields can you have? you can't get 1% on your money in the bank. melissa: so depressing. come on, i will be weeping

here soon. rescue me from here since. >> i was thinking same thing. no wonder these two feel bad how things look. the important thing to realize about a survey you cited it is a snapshot of consumer sentiment at time. it is not really entirely predictive what their behavior will look like. how are you file financially and how are you feeling secure. melissa: aren't they looking at their 401(k) when they're seeing something like this. >> looking at people 45 to 60. in your 40s do you have any sense what you will retire. you're thinking what will the job market look like. hearing talk about entitlement reform. you're thinking i'm not sure social security and medicare will be around when i retire so i will have to stay longer in the workforce. this is more indicative what people think about today rather than what they do down the road. melissa: spencer, those are great points and at the same time i talk to people in their 60s. i plan to retire. my home lost a lot of value. i was thinking i would sell it to use that money to retire.

a lot of people put their plans on hold. what advice would you give them. >> yeah. i want to respond to that because i think that, people are looking at the price of things costing what they cost today versus what they cost 10 years ago and are seeing a dramatic difference. you're seeing prices, when you include inflation, include the cost of food and energy and see gas prices a high as they are compared to 10 years ago, the price of food versus 10 years ago, tuition for kids 10 years ago. all they do is extrapolate where will we be in 15 years. that is really depressing picture. it is a lot more than just the jobs market. melissa: peter i will give you a crack at it. do you buy gold? what do you do? >> you should be buying gold. one quick point before i get to that. people are not talking about unfunded liabilities. everybody's share about the knox debt. we talk about the national debt but those are obligations we have because of our government. we have to pay all this money back with interest and interest rates aren't always

going to be low. we can't retire. we have to pay for all the spending not being advanced. melissa: it is hopeless. i feel hopeless s that the message? it is hopeless? >> what you can do is recognize that the dollar is going to go down dramatically and if you don't want, your money is going to retire before you do. so what you need to do is get out of dollars. look to diversify internationally. look to own stocks, bonds, real assets outside the united states. in currencies that the fed can't destroy and own something of real value that pays a decent dividend. so you actually can get a return own your investment and your savings, not just watch the savings being ripped out from under you by the fed. melissa: i feel more depressed than you do. >> diversification is always smart in terms of retirement. the challenge is, it is real easy to say the oh, the fed is destroying the economy. would you rather they were raising interest rates? >> yes. >> economy would be falling off a cliff. >> you are insane.

i'm sorry, there is no way that would make for productive economy. >> no, no. >> the one thing that would fix things here -- >> what we have is not productive economy. this is inflationary bubble. melissa: go ahead. >> one thing fix this getting into economic growth scenario we don't have. if you start to tighten up interest rates we're never going to get there. melissa: peter -- >> we'll never get there if we keep interest rates low. melissa: aren't they same amount of stupid, tightening interest rates and raising taxes, both strike me as terrible ideas. >> i don't want to raise taxes. we want to slash government spending. we want to liquidate bad debt. let prices readjust. we need to save, produce, we need to export. we can't keep borrowing money to consume imports. that is how we destroyed our economy. >> our savings is at one of the highest levels in a decade. >> but not economic growth. melissa: peter, you're fantastic i think we drove a lot of people to drink tonight. let's wrap it up. we'll have you all back soon with a cocktail or

something. now onto the mandatory budget cuts less than a month away and people are bracing for impact. people in charleston, are projecting 1.2 trillion in cuts over the next 10 years that comes from defense. charleston is home for 250 defense contractors. the industry generates 10% of the city's economy. how much will this hurt? with me is south carolina state treasurer curtis losties. >> thanks for having me here. melissa: this will be real tough on charleston in particular. your state will be hit pretty hard. charleston itself gets 10% of its workforce from these contracts. >> that's right. the federal government is very important to states like south carolina. and the military is. we have a long military tradition. for the jackson is the largest training base in the world. 50,000 recruits turned out every year. it means a lot. 140,000 jobs. $16 billion a year. it is 7:00 percent of our state's budget. melissa: it is huge. on top of that when we went

around asking people what can they do to make up for the loss. oh, boeing is expanding their dreamliner plant. that is our big cushion here. that will save a lot of jobs. i don't know if you heard there are problems with the dreamliner and boeing right now. seems like this is a just a cluster of bad luck. >> well, it is we're not at that point yet. we're still in this process. what we've got to do is make sure that we demand a different dynamic. now what we've got is people negotiating in private or both the left and the right shouting at each other through television cameras. we have to get the adults in a room and they have to in a transparent and accountable way make a budget. we can't push the process along other ways, otherwise. until this happens it just won't work. melissa: what is your hope that will happen? that feels pretty hopeless. >> it is but sequestration is something no one likes. i come from the right-wing of the party, the conservative branch. i have a visceral attraction to cut budgets. you don't want to take an axe to a pound cake.

that's what we're doing here. it doesn't work for anybody. it will affect the state's credit rating, jobs. to go with another cliche, throwing the baby out with the bath water. we can and must do better. melissa: paul ryan says is he prepared to go ahead with the sequestration, do you think he is bluffing because he sounds real serious. he may be bluffing but he is wrong. this is an adult problem. the dynamic is played out by children. the american people know better. they know what is happening. look at polls, and separate from election polls. we'll be at $17 trillion by next october. we can't sustain that. melissa: what you're talking about has been going on for a long time. you talk about the children negotiating, both sides yelling at each other. that is what we're watching in washington for a very long time, especially recently over these fights. it does seem like maybe republicans have been pushed to the point they would be wailing willing to go through with this, especially because they went ahead with tax increases with the promise of cuts in spending coming down the

road. doesn't seem like that is coming. the president sounds like if you listen to the "60 minutes" interview he is doubling down on raising taxes on everyone. seems we've gotten to a position where republicans are willing to go ahead with this because they see no other way to cut spending. >> that is the dynamic today. we've got like 24 days, is that right? we've got some time. and there is time for adults to act and we must. there is great attraction on the left, let's have sequestration to cut the defense. but it is not going to work that well. they have their own constituencies that will be affected. they go you there entitlement programs. we have to have adults in a room with a transparent process. melissa: if you were there, what would you say? you keep talking about adults in the room. i love that idea. how would you make that happen? would you offer something specific? would you include specific people? what is your advice. >> there are certain things must happen. the united states senate must have a budget. they come up for re-election and we have given a pass for four years. they get to go home with

santa claus. they never vote for anything. demand the senate has a budget. that is simple in the constitution. we never should do it. illustration purposes, they have got a, pay raise in the future. no one should get a pay raise. no one should get a pay raise until we bend the debt curve downward. i come from business. this is unacceptable. you get fired if you have this problem. we can and must demand people go to a room in a transparent way. first negotiation because we did it in private. melissa: that makes a lot of sense, treasurer. i'm sorry we have to go. thanks for coming on the show. we appreciate yoor time. >> thank you. melissa: let's turn to today's market moment the bulls took their first hit of twefrt 12. weaker than expected u.s. factory orders and political concerns in europe sunk investor optimism. the dow fell back below the 14,000 mark. all s&p sectors fell in the

red. next on "money", hugo chavez's government is scram wling for cash and it may be getting a $2 billion lifeline from, chevron? why the oil giant may become a financial savior for the chavez regime. plus, don't rain on dick bove's parade. the legendary analyst predict as 14-year bull run for banks. bove will join us coming up. more "money" straight ahead. ♪ . to grow, we have to boost our social media visibility.

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♪ . melissa: news is out about chevron today. reuters reports the oil giant may be loaning venezuela's state oil company $2 billion to boost production. the credit would help the country pay its bills but just the idea of this loan brings up a number of questions, like what is really the intent behind it? why make a deal like this right now given all the uncertainty about who is going to run the country? joining me, john kingston, global director for news for platts. welcome back to the show. my first question when you say loan, you really think venezuela will pay you back. >> it will be $2 billion in

exchange for crude. they have crude to deliver. if they're paying crude to make the operations run smoothly, obviously they don't have the oil to sell for other cash. this is their fastest way to cash which they're very much in need of. the official dollar rate is 4 something bolivars to the dollar. unfacial rate is 19. that cause as tremendous cash crunch in the country. remember several years ago, part of, i won't say internationalization. quasi-nationalization of the operating deals their --. melissa: what is nationalization? >> remember there are still junior partners. chevron, e and i, et cetera. they need to, pedavesa does not have the cash to fund their shares of the operations. they're the operator. they can't sell shares to make it work. melissa: what a mess. that is disaster. i've been just reading stories maybe even last week about them trying to raise money from china and other countries. now that they turned to chevron, does that make you think they're even more desperate? and is it the right move for chevron to do this.

>> the china deal, mr. ramirez, the oil minister said last week they received $35 billion from china since 2008 in exchange for deliveries of crude. chevron from all indications is very wary of this offer. first as you noted who is running the country? we simply don't know. melissa: we don't know. >> you don't want to do a deal where you have absolutely no idea what the other side is going to be. if mr. chavez passes away the next government could simply ignore all deals done by previous --. melissa: anyone who doesn't know, hugo chavez is very sick with cancer. he has had six surgeries. no one has seen him in public since december 12th. they say he is getting stronger. fidel castro says he is much better. >> fidel castro was we thought was dead and he is alive and making public appearances. melissa: we don't know for sure, if something happened to hugo chavez who would take over. that isn't clear. you don't know who you're making a deal with. so why are they doing it? >> not what chef ron is --

chevron is doing because we don't know what chevron is doing it. melissa: would they do it? >> i seriously doubt it. unless they were concerned and provided financing the operations at the projects they have in venezuela would collapse. that is always a concern. as i told you before my biggest concern for years is calamitous collapse of the venezuelan oil industry. when they're that desperate for cash, that kind of raises that fear. melissa: it feels like a collapse is coming closer and closer. at the same time i talk to other analysts who poo-poo the fear over that. they say venezuela has been in decline in terms of production. they talk about up who oil they have but who cares. they haven't done a great job getting it out of the ground. the rest of the world is learning to live more or less without them. you disagree with that though? >> really the u.s. net imports from venezuela are way, way down from where they were but they're still about 900,000 barrels a day. total crude oil imports are still 1.1, 1.2 million barrels a day. obviously the ability of the u.s. to sethly raise its production has allowed all other nations to become less

important but they're not that less important. this is still a significant producer. they're still a 2.1, 2 to 2.1 million barrels a day. that is still a lot of oil. melissa: you make the point if we didn't make a deal with despots around the world we wouldn't -- >> unfortunately oil does not sit under lands ruled by heirs of thomas jefferson. melissa: john kingston. thanks for coming on. appreciate your time. time for today's fuel gauge report. oil futures were not safe from today's selloff. settling at 96.17 a barrel. u.s. households spent a record amount on gas. the average household spent $2900. that is according to the energy information administration. the previous record was 2750 per household that was set back in 2008. the state of arizona is suing the epa in federal court. regulators are forcing three arizona coal plants to install pollution control equipment. this is an effort to reduce haze in arizona's national

parks. the upgrades will cost up to a billion dollars. but arizona's attorney general claims the only will raise electricity rates with little effect on reducing haze. sounds like a great investment. coming up on "money", legendary analyst dick bove sees a golden age ahead for u.s. banks. the man himself in a moment. who cares what marketing experts say about the super bowl ads. what did die-hard football fans actually think? the devious minds behind fx's the league, lay it all on the line. do you ever have too much money? my mother made the best toffee in the world.

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melissa: so our banks back? according to a new report by legendary banking analyst, dick bove the next 14 years will be great for some of the biggest banks bottom

lines. so why are so many other analysts painting such a different picture for the banking sector? what happens to the banks in the 15th? that is my question. we're joined by the man himself, dick bove, banking analyst extraordinaire. stick, great to have you back on the show. thanks for coming on. >> thank you, melissa. melissa: let me ask you to explain the call. first of all, how did you come up with 1 years? >> if you look at the past 75 years of the banking history the average upcycle for banks is 15 years. you had a real long one from 1959. that run ran for 26 years. you had another long one in 1989 which lasted for 17 years. we're now, four years into this up one because, you know, the industry's earnings turned around very strongly in 2009-10 and so my guess is that, you know you're looking at the same type of upcycle that you saw as i say in the prior cycle. there is a lot of good things happening. in 2012, if my estimates are

right, the banking industry showed a 22% increase in earnings and the industry may have earned $145 billion which would have been the second highest ever. in the fourth quarter of 2012, you're looking at something on the order of, you know, $39 billion in earnings which was, in fact the highest ever. melissa: in fact, even -- >> they did this --. melissa: even when you look at, just to jump in a little bit. even when you look what happened to jpmorgan they still managed to post record earnings when they had what a lot of people thought was a disaster with the london whale incident and they're right back. one of the most interesting things you say in the report we need to start looking at banks in a different way. look at them like companies like apple where you evaluate their products and what is demand manned like for them. what do you think that is the way to look at banks now. >> that is exactly right. if you were to talk about apple and didn't mention what they were doing in terms of selling iphones or ipads people would think you were nuts, right? >> if you look at banks and

don't think what they're doing in making mortgage loans and auto loans and loans on consumer electronic products which is credit card loans. if you're not looking what they're doing lending money to the energy industry, into the medical care sector. into the heavy industrial sector, you're not getting what it is that they sell. so number one, what i expect to see in 2013 and beyond is increase in loans to all of those sectors. and, i agree with your prior guest who said that interest rates should go up. because if interest rates go up then the margins on these loans are going to be bigger. think about it very simplistically. they're selling more wigits and they're doing it at a wider margin and therefore earnings are going to go up. the different -- dividends will be raised. in march you will get a whole bunch of dividend increased on these stocks and you will get big stock buyback programs announced. and the other thing we noted if these stocks sell at less than 1 1/2 times book and you buy them, going back 22

years, that has been a strategy always yielded significant increases in earnings. melissa: to care out the point you made, because a lot of people said the reason banks are doing so well because the fed is so accommodatings. you think even if interest rates go up they find a way to turn around and make money off that? >> basically banks tend to make higher margins in periods when interest rates are rising, right? the fed has not been accommodating to the banks. in other words, it has driven interest rates so low that it is really pressuring the banks net interest margin. in addition to which, because interest rates are so low, i'm going to say they robbed senior citizens of their retirement fund because, you know, 19 1/2% of the income in the united states prior to these interest rates cuts was in passive income. melissa: yeah. >> that is --. melissa: you're absolutely right. we had a guest at beginning of the show, making that exact point. this whole cera for fed has been so booed for senior and retirees.

i want to mention a couple analysts that disagree. head of bank research at evercore partners says he thinks we're set for a pause in the bank stocks. jim senegal, bank analyst at "morningstar" as far as earnings go there are no real areas for huge improvements in the banking stocks. what do you think about that? >> aren't they are sad? well, i think number one, you know, people have been arguing for four years that banks couldn't do well, right? melissa: right. >> you couldn't turn on, if you look at television station, pick up an analyst report, talk to a portfolio manager who couldn't tell you how terrible the situation was for banks. they had to raise in more capital. they had had to bring in more liquidity. they had to keel with price fixing. right off $800 billion in bad loans. despite all of these events --. melissa: they made money. >> the industry --, huge amounts of money. melissa: would you sell in year 15, get out, cash out, do you think it is over?

>> well, i think that, --. melissa: just to be clear. >> there is no way to stop financial collapses and 15 years from now, i will bet you there will be another one. melissa: i will mark my calendar. dick bove, thanks for coming on. >> thank you. melissa: okay. so there's the good, the bad and the painfully ugly. the filthy minds behind "the league" on fx. they break out the knives for the worst super bowl ad offenses. that is coming up next. who needs a super bowl championship when you can create a social media dynasty. why twitter may be the new king of kings of social media. ♪ . "piles of money" coming up.

at a dry cleaner, we replaced people with a machine. what? customers didn't like it.

so why do banks do it? hello? hello?! if your bank doesn't let you talk to a real person 24/7, you need an ally. hello? ally bank. your money needs an ally. ♪ . melissa: so at almost $4 million per 30 second spot did you expect more from last night's super bowl commericals? by now you may have heard some pundits giving their best and worst list. but i can guaranty you definitely haven't heard quite like this. jeff and jacksy schaeffer are the brains and bite behind "the league", our sister network on fx. they have their finger on the pulse of what scored big with football fans. they're joining me from new orleans. fresh from the game. they look surprisingly awake after six days there. hey, guys.

let me ask you what is your favorite ad? i love audi prom. >> audi prom was terrific. they didn't need to pay for high-end talent to do terrific job with a fresh ad, was super funny, made the car looks sexy. they bested mercedes-benz. inside the mercedes-benz superdome when the power went out, audi sent out a brilliant tweet, offering to send over led lights. i know people are talking about the mercedes ads. i thought audi won. melissa: jeff you're a romantic. did you love audi prom? >> just to have dissenting opinion, when the ads started i was looking this guy is going to the prom alone. why is he going to prom alone? seems like a normal guy. family seems normal. oh, this is why he is going to prom alone because he is creepy guy who likes to stalk women and kiss them at random. what is the next audi ad? him rubbing up against people in the subway. not good, audi. melissa: that is little bit

different take i had on that one. you sound sort of split, how are you voting? >> vote love it on audi prom ad. great job. didn't have to pay talent. all about the money. go audi. melissa: jeff, don't try to vote. jackie voted. >> i understand this relationship very well, thank you. melissa: how about the godaddy ad? that one, just made me cringe and hide. i thought, that one, it killed me. what did you think, jeff. >> there are some things you can't unsee. it is a line from our show. it was never more true than watching those two smooch. was it, $4 million for 30 seconds that is about half a million dollars of every disof the dping slurp sound. not good. hate it. melissa: jackie, what do you think?. >> i thought it was terrible. it was terrible. the audio of it, not only was the visual disturbing, the audio was disturbing. both kate upton and bar rafaeli should said no thank you. melissa: one is m and m ad. i liked this one. i hear you guys didn't like

it. you thought it was unexpected, sort of is a days tick and little scary. >> as a parent you probably loved it does a great job of telling your kids don't eat m&ms. don't eat me. i don't want to be eaten. most counterintuitive marketing for a candy i ever seen. that ad was terrible. >> i have to say, romancing your food is creepy. you shouldn't romance your food. what is that relationship like sexually? he mets in her hand. bad, m and m. >> in case you're wondering the reaction to the ad in the stadium people thought that was rejected a only being showed in the stadium. when we heard later on that night people found out it had been show on broadcast television they were shocked. ad was terrible. melissa: i take that bab. i don't know what i was thinking. here is one i know you will love. how about the nfl leon sandcastle ad. that was fantastic. >> we both agree. >> loved it. we're giant deon sanders fans. he is i will lair just in

person. he was hilarious request on our show. a great ad not a fan of the baltimore ravens. hey, the new season starts with the combine. seems like they're going to start a great campaign getting everyone ready for the next season. >> deon still has it. melissa: if you feel old, maybe you're not that old. that is okay. you can relive your youth. dei don't know is, no? >> deion. can still run faster than half the guys at the combine. melissa: that is true. the ad that kills me everyone loves budweiser clydesdale. halfway through the ad he is getting hammered on beer -preading art definitely on a horse that he doesn't have? what does that say about the relationship? a little creepy. >> melissa, if you ask me, love it or hate it. hate it. we saw it when it was called war horse. they did it at lincoln center. did it in the movie theaters. sorry, budweiser, steven spielberg did it better. don't go there. come on. that was a retread. >> other thing i have to say,

if i'm watching football with a bunch guys i don't want to see a commercialal that makes me cry. of course i'm talking about the pistachio ads. people are so worried about football causing concussions that pistachio ad must have given some people brain damage, year later when people are acting very strange and they will open their brains up. that is that ad. >> that is the 16th minute. has to be over. melissa: that is so true. i had forgot about the ad. i saw it and sure sign of the end when he is doing ads for pistachio nuts. that is crazy. blackout what did you think of the blackout? it helped? it was good? >> here's the thing i know a lot of people talk about the blackout in new orleans. 34 minutes in nothing in new orleans. people on bourbon street were blacked out way longer than that. melissa: money meter, on a scale of one to money who were ads overall? >> straight down the middle three. >> three. >> this was really a lot of stuff we had seen before. melissa: yeah.

>> i remember cindy crawford doing the pepsi ad way back when. not, way more clever than -- >> a lot of rehash of cars and wish fulfillment. not a lot of new ground broken except for that delightful screaming goat. melissa: thanks for coming on. we made it through without bleeping you. i was nervous through the whole segment. >> we tried. >> we can be trained. >> thanks, melissa. melissa: their show is "the league" on fx. in case at the didn't say that enough. here is our money question of the day, what was your favorite super bowl ad? we have a big range of comments. the top favorites is the farmer ram ad and budweiser clydesdale, come on. lick us on facebook.co facebook.com/melissafrancisfox. follow me on twitter @melissaafrancis. the baltimore ravens got the vince lombardi trophy but twitter may be the super bowl's biggest winner. why the number should 24

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melissa: so the baltimore safe vens took home the trophy last night but

twitter seems to be the real super bowl winner. listen to these numbers. 24 million super bowl tweets were sent out. of 52 national commercials, 2 of mentioned twitter, only four, four, mentioned facebook. this may be the definitive answer for which is the go to social network for advertisers. for what it is worth on set for the first time, marketing expert, bruce turkel. from turkel brands. thanks for coming here on the show and coming here in person. i really love that. it struck me as i was watching. seeing the product and under it/a hashtag they want you to have a conversation and have a twitter handle. seems like they got a lot of free advertising. >> they didn't pay for that. melissa: they didn't pay for any of that. i wondered that. $4 million for an ad. 26 mentions. $104 million in free advertising. >> not quite because $122,000 a second. you have to multiple ply that you how long they were up there. melissa: okay.

>> imagine the business, having half the advertisers put your name and brand up in front of everybody? melissa: no, that is amazing. it makes me wonder what it is all worth. when i said all of sudden they get everybody on tweeting back and forth talking about the product, what is that -- you don't tweet and go buy and audi. >> don't tweet and buy an audi immediately. it starts the conversation. what happens is, it lets the advertiser extend what they paid for it. now, you go on the site. talking to other people about it. you're hearing their opinions. someone who loves the product will be on there they're extending the conversation. what they're doing is working their way into your life. melissa: i could see places where it works. like when the blackout and oreo cookies came on. it was so quick and so smart. they got right on twitter in the blackout and said you can still dung in the dark. they tweeted out the picture. that was hysterical and appropriate to the moment. you're sitting there and you are eating. they talk about eating something delicious.

i have oreos in the cabinet. i will buy some oreos. that is more realistic to me when they are directing you for mercedes to go online, boy that was a stunning vehicle. >> remember, mercedes sponsors the superdome. so audi got on to twitter right away started making fun of mercedes because their lights don't work. melissa: yeah. >> what it tells us the new 24/7 culture of constant messagings in fact the future is here. they have teams ready it prepare these things. they worked for aing are time before. or rye yos for example, had 62,000 followers on twitter. they didn't make that up. they have been working to build those followers. and now they were able to use them. melissa: you say you have to know what the market is and who your buyer is. if you're marketing to someone who is 45 plus because you have a very expensive car, not sure a lot of those people are on twitter or having their opinions formed by that. doesn't seem like it would work for everyone. >> the demographics for twitter skew higher than other social media sites

mostly because the people on twitter have something to say. younger consumers really aren't that interested in it. but the idea is, how do you get people talking? how do you extend that conversation. and more importantly, how do you extend the relationship? how do you make people feel like they're a part of what's going on? melissa: is it, does this leave facebook in the dust or is facebook a totally different product? because the other thing that struck me in all the time i was watching saw only one mention of facebook and constant, twitter, twit ir. seems like facebook has lost. >> i think the actual facebook count was for. you're -- four. you're right as far as it goes for numbers twitter left face book in the dust. it is different products. twitter is the ubiquitous go too service for real time conversation. facebook is for posting photos. melissa: is it conversation or a lot of people screaming at same time? is anyone listening? >> of course. people are responding. retweeting. the oreo ad you showed, being retweeted 10,000 times in a minute. people were taking a message. you say something clever.

i will send it out to my friends. that is where the exponential growth is. melissa: i agree with you. bruce, thanks for coming on. we appreciate it. >> thank you. melissa: next on money it is an archaeological discovery fit for a king literally! remains of the king richard's remains are found 500 years after his death in battle by the way. the mystery of his demise might have be solved. whodunit. you can never have too much money or too many bones. ♪ . i'm a conservative investor. but that doesn't mean i don't want to make money. i love making money. i try to be smart with my investments. i also try to keep my costs down. what's your plan? ishares.

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♪ melissa: to this -- so it's time for a little fun with "spare change". we are joined by our very own this deal. thank you for coming. some struggling businesses attempted comeback with commercials. blackberry, best buy. they all tried to redeem their reputations. which ones do you think did the best and why? >> well, a firm did random sampling survey of consumers for the ads that came up with nationally predictable results. blackberry, a huge flop. this firm, asymmetric some ways it on a scale of up to 950 is the top score. 515 is what they got. an blackberry need help the most. of $140 stock for five years ago , $70 stock two years ago and is now like 15.

melissa: best buy. >> best buy, good job overall. >> i thought that one could have been better. melissa: you cannot go wrong with amy. >> said the she is funny, but i think that the kind of did not completely hit the mark. >> 609. only 10 percent of all ads did to the 600. they like it. the best of all was soda stream. rated 621 which is extraordinarily high. melissa: i have to make my soda, to? and income give me a break. i mean, seriously. you're going to make me do that to. >> were not using bottles, the bottles are evil. of course, an ad was rejected that had coca-cola and pepsi bottles being crushed and dissolving. the networks up that was not right. melissa: it looked like a lot of trouble to me. the gillette that what? >> it was okay. it is so funny to me because i do not think we needed a firm to set the the blackberry at flops.

it was really a big lead brick. i want blackberry to win. i'm holding on tight. and there are a lot of people like me that wanted them to make a big impact. melissa: we have to let go. we have to let go. >> trashing the baby clydesdale ad. consumers by far the best. i thought it was an amazingly good that. melissa: next up, totally unrelated, to some reportedly found these 500-year-old remains of england's king richard the third under a parking lot. the king died in the battle about sports than 1485 brought evidence of head and spinal trauma. i don't know. this is pretty amazing. he was a huge billon. >> these guys set out to find this corpse, and we cannot find jimmy hoffa. they found and 90 -- of 1485. melissa: apparently there is still a spear lost in his back between the vertebrae.

it is just -- maybe his image will be rehab more than a blackberry. >> one certainly will show up in an episode of bones are csi. guarantee it will rip off. >> from the headlines. you're darn right. there is a winner. csi. melissa: exactly. do you think this will do all kinds of good things for rigid the third? >> it might be habits and it -- his image. definitely giving him a second shot. melissa: the get stabbed in the back. i don't know. shakespeare rectum over the coals. let's go on. girls and new jersey swore not to elsewhere anymore. as a sexist as it may sound, the principles set the rules of dollar amounts than the boys, so as part of a lesson in civility begin with is a chicken and -- taking an of to cut the cursing. do you have a foul mouth? >> i am calling bs on what the principal said. civility should extend to both men and wome